Free Financial
Advice
Here is some free financial
advice. I’m fortunate to have an excellent financial planner
who in turn works with an excellent team of financial specialists.
They have a wide range of clients, from the average Joe to
multi-millionaires. Knowing whether I am spending more than
I earn is probably the simplest and best free financial advice
he has ever given me. Here is that strategy plus a few others
for reducing debt and living a life with less stress and more
freedom.
Free Financial Advice
- Are you spending more than you earn?
Isn’t it incredibly easy to
have money “mysteriously float away” each month on purchases
you simply “forgot”? We know we have monthly bills, but a
person’s got to live, eh? Are you scared to add up those credit
card purchases each month? And then months become years, and
the money continues to “float away.” If you really think about
it, keeping track of your money is easy. All it takes is paper
and pencil. One column for debts and one column for income;
add them up each month, subtract the difference and see if
you spend more than you earn. Once you clearly see your spending
habits on paper, you can no longer hide from them. This is
by far the single most important step towards debt reduction
and wealth creation. Being completely honest with yourself
is the first crucial step towards incorporating positive financial
change in your life. Are you spending more than you earn?
Credit cards got a hold of you?
Understand how emotional
intelligence and your values can rid you of crazy monkey brain.
How many times have you innocently
walked into a store and found a million reasons why it’s okay
to purchase something? This is the last time I will buy this.
My credit card balance is low; it’s okay. I love it and it’s
on sale! I’m not doing this for me, I’m doing it for them.
Hey, I have some extra cash! We all have these emotions and
thoughts coursing through our heads at some time. Real millionaires
with solid finances realize that spending money on stuff doesn’t
buy lasting happiness. In the short term, it’s pleasurable
but financially disastrous. So the next time you have the
spending bug, take a moment to simply appreciate everything
you do have. Appreciation is a powerful emotion and a fantastic
core value. Appreciating your family, friends, health, nature
and the simple pleasures in life will make you realize that
spending won’t buy happiness. Use your emotional intelligence.
Make appreciation a core value. Real millionaires respect
the dollar but place appreciation, gratitude, family and friends
before all else. You most likely don’t need to buy it.
Hold on to your own
reality. Don’t give in to the advertisers.
In this information age we
are continuously assaulted with advertising images trying
to convince us to buy, buy and buy. Bigger, better and faster.
We will look more successful. We see celebrities using their
names to sell almost anything. Tiger Woods drapes himself
in Nike from head to foot because Nike is trying to convince
us that it is a groovy and respectful company. We begin to
respect Nike because Tiger Woods uses them. Tiger has sold
his image. Using my treasured rock songs to sell cars, computers
and any other consumer product really offends me. The Who,
Led Zeppelin, Aerosmith and The Rolling Stones do it and have
sold out. The Doors have not (completely). Advertising images
and music are reality. Success isn’t about exciting rock songs
and getting everything you want. It isn’t about looking like
Tiger. Spend your time on what is truly important to YOU and
not on what the advertisers tell you. Close the television
and get outdoors. Take a hike in the woods. Marvel at the
beautiful sky. Life can be magical at times. Sometimes it’s
the simple pleasures that are the most rewarding.
Let’s summarize our free financial
advice:
1. Take action today to spend
less than you earn. It will reduce stress and release those
shackles of debt.
2. Your emotions and thoughts
can easily make you spend more. Use appreciation or gratitude
to realize what is truly important in life.
3. Don’t let the advertisers
make your reality. Your reality and beliefs should have little
to do with snazzy rock songs and advertising.
| Authors Details: Free Financial
Advice - Terry Vermeylen Web
Site |
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